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Started By
Message
re: Scammed by auto dealership...What should I do?
Posted on 10/28/14 at 11:18 am to LNCHBOX
Posted on 10/28/14 at 11:18 am to LNCHBOX
quote:
LNCHBOX
quote:
I've actually used them and had 84 offered.
Show me ONE bank, not a union, a bank!
You jumped into my post about BANKS and tried to make it fit your dumb argument.
quote:
For all intents and purposes, a credit union can be described as a bank in this debate.
I'm not debating, I will not change my original thought about banks. They do things differently. You are debating yourself. A bank is a bank...I did not bring the credit unions into my post for a reason, and I could care less how much they mimic banks' services.
It was MY post, not yours, so the semantics part was done by you! God you're dumb
2
Posted on 10/28/14 at 11:21 am to GeeOH
Just shut up already. Congrats on a bank not doing it, big institutions that provide banking doing it. You win. Move on.
Posted on 10/28/14 at 11:23 am to GeeOH
Wow, you're really taking a stand on this.
You sound really mad.
You sound really mad.
Posted on 10/28/14 at 11:29 am to LNCHBOX
USAA offers 84 months on anything over 25k fwiw and they offer banking services aka they are a bank.
Posted on 10/28/14 at 11:30 am to KosmoCramer
Don't make GeeOH talk about his family member that works in some industry
Posted on 10/28/14 at 11:39 am to lurk9000
bought himself some experience, eh?
Posted on 10/28/14 at 11:51 am to tigerstripedjacket
I never knew they even offered 72 month loans on cars (new or used).
Posted on 10/28/14 at 12:04 pm to Sid in Lakeshore
I've seen 84 and 92
Posted on 10/28/14 at 12:05 pm to Sid in Lakeshore
72 months is common . If you get a low interest rate say 1-2 percent , you have a lower note and only end up paying 1300 in interest or so financing 19 k . Now if you finance 35 and up with a high rate you're dumb / co worker got a 22 % interest rate for 6 years financing 23 k
Posted on 10/28/14 at 12:11 pm to BearCrocs
People don't understand that the term isn't the issue, it's the rate.
Hell, some people would be inclined to finance a car for 2% for 84 and actually like the idea if they felt they could invest the money the would have paid cash for the car and actually come out ahead in 84 months even after paying the interest.
Hell, some people would be inclined to finance a car for 2% for 84 and actually like the idea if they felt they could invest the money the would have paid cash for the car and actually come out ahead in 84 months even after paying the interest.
Posted on 10/28/14 at 12:18 pm to Sid in Lakeshore
quote:
I never knew they even offered 72 month loans on cars (new or used).
I was walking around a bass boat dealer's lot a month or so ago. They were offering 144 month financing at 7.5%
This post was edited on 10/28/14 at 12:19 pm
Posted on 10/28/14 at 12:20 pm to CFDoc
quote:dafuq
7.5%
Posted on 10/28/14 at 12:22 pm to meauxjeaux2
quote:
dafuq
People gotta fish man.
Posted on 10/28/14 at 12:30 pm to lurk9000
Did he have to go talk to his manager to see if they could throw in the clear coat for $500?
Posted on 10/28/14 at 12:38 pm to lurk9000
The thing to remember is when you have a good credit score you have the leverage. Get an approval from a bank or credit union before you go and use that against them.
Posted on 10/28/14 at 12:42 pm to KosmoCramer
quote:
3.79% is very solid for any term.
I just financed a new car for 2.24% so I would say that is still not ideal. Shop around for your own financing before stepping foot in the dealership, it is in your own best interest.
Posted on 10/28/14 at 12:42 pm to LNCHBOX
quote:
Don't make GeeOH talk about his family member that works in some industry
He travels the country training f&I guys.
Posted on 10/28/14 at 12:44 pm to lurk9000
quote:I stopped reading here.
for wife - no pics
Posted on 10/28/14 at 12:45 pm to LSUJay13
quote:
just financed a new car for 2.24%
Lender?
I'm guessing factory incentive.
Posted on 10/28/14 at 12:45 pm to LSUJay13
quote:
I just financed a new car for 2.24% so I would say that is still not ideal. Shop around for your own financing before stepping foot in the dealership, it is in your own best interest.
For sure.
And there is tons of 0% floating around from manufacturers right now, but make sure you realize you're giving up a bunch of rebates in most cases so be sure to do the math.
Many times it's best to find a really low rate (as in 2.24%) and take the rebates.
Basically just do your damn homework before you go in there and be cordial and get the deal you want.
Not that difficult.
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